300 W. Davis, Conroe
Conroe, Texas 77301
Monday- Thursday 7:30am-5:30pm
FEMA LOMAs and LOMR-Fs
Although FEMA uses the most accurate flood hazard information available, limitations of scale or accuracy of topographic information used to prepare the FIRM may cause small areas that are at or above the flood elevation to be inadvertently shown within the SFHA boundaries. Also, the placement of fill may elevate small areas within the SFHA boundaries to an elevation at or above the flood elevation. When this happens, structures or parcels of land may be inadvertently included in the SFHA on the FIRM.
If you believe your home or business is not located in a SFHA, as shown on the Flood Insurance Rate Maps (FIRM) and would like FEMA to make an official determination regarding the location of your property relative to the SFHA, you may request a Letter of Map Amendment (LOMA) or a Letter of Map Revision Based on Fill (LOMR-F). LOMAs and LOMR-Fs are documents issued by FEMA that officially remove a property and/or structure from the SFHA. To obtain a LOMA or LOMR-F, the applicant must submit mapping and survey data for the property. In most cases, the applicant will need to hire a land surveyor to prepare an Elevation Certificate for the property.
The issuance of a LOMA or LOMR-F eliminates the federal flood insurance purchase requirement as a condition of federal or federally backed financing. However, the mortgage lender retains the prerogative to require flood insurance as a condition of providing financing, regardless of the location of the structure.